I qualify for a phone upgrade with Verizon, and of which includes a $30 loyalty credit towards the new phone. I was advised by Verizon that I'll only receive the $30 credit if I order the phone from Verizon. If order an iPhone 5 online from Verizon, will I be able to take it to an Apple Store for service (Genius Bar) or refund if desired? What's Verizon's vs Apple's return policy (number of days) ? Other than forfeiting the $30 credit offered by Verizon, Is there any advantage of purchasing the iPhone5 from Apple vs Verizon? Thanks.